such effect for privately owned banks. Improved credit availability and private information production are the main … owned and state-owned banks. Using a unique dataset on small- and medium-sized enterprises (SMEs) we find that an increase … in relative borrowings from local state-owned banks significantly reduces SMEs' financial constraints, while there is no …

This paper explores how banks adjust their risk-based capital ratios and asset allocations following an exogenous shock … to their asset quality caused by Hurricane Katrina in 2005. We find that independent banks based in the disaster areas … independent banks mainly comes from the subgroup of high-capitalized banks. These banks increase their holdings in government …

substantial upward bias in bank productivity estimates when ignoring banks’ IT expenditures. IT-augmented bank productivity …

This paper tests whether an increase in insured deposits causes banks to become more risky. We use variation introduced … $100,000 to $250,000 per depositor and bank. For some banks, the amount of insured deposits increased significantly; for … others, it was a minor change. Our analysis shows that the more affected banks increase their investments in risky commercial …

the German banking market. Market power generally spurs aggregate SME growth. Banks need to realize sufficient margins to …

This paper tests whether an increase in insured deposits causes banks to become more risky. We use variation introduced … $100,000 to $250,000 per depositor and bank. For some banks, the amount of insured deposits increased significantly; for … others, it was a minor change. Our analysis shows that the more affected banks increase their investments in risky commercial …